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•
No down payment
and, for
Major Purchases
at Christmas time,
use PENNEYS TIME
PAYMENT ACCOUNT
•
Small, regular monthly payments
•
Up to 3 years to pay
r-------You may use your Time Payment Account to buy any of these
items:------~
Automotive : tires, batteries,
parts and accessories
Bedspreads
Bicycles
Building materials
Cameras and equipment
(except film
&
processing)
Carriages
&
strollers
Cookware sets
Decorative wall hangings
(clocks, frames, mirrors)
Dinnerware
Draperies and drapery hardware
Time Payment Terms Table
If your
total order or
account balance is:
your monthly
payment
is:
$19.00 to 90.00.
.$5.00
90.01 to 105.00..
5.50
105.01 to 120.00.
6.00
120.01 to 135.00.
6.50
135.01 to 150.00..
7.00
150.01 to 165.00.. .
7.50
165.01 to 180.00.
8.00
180.01 to 195.00..
8.50
195.01 to 210.00..
9.00
210.01 to 225.00..
9.50
225.01 to 240.00.. .
. .10.00
240.01 to 255.00.
.10.50
255.01to270.00 .
.11.00
270.01 to 285.00.
.11.50
285.01 to 300.00..
.12.00
300.01 to 315.00.. .
.12.50
315.01 to 330.00..
. .. 13.00
330.01 to 345.00...
.13.50
345.01 to 360.00.
.14.00
360.01 to 375.00...
.14.50
375.01 to 405.00...
.15.00
405.01 to 420.00.. . ...... 15.50
420.01 to 435.00. .
.16.00
435.01 to 450.00..
.16.50
450.01to465.00.. .
. .. 17.00
465.01 to 495.00.
. ... 17.50
495.01 to 510.00.
. .. 17.75
510.01 to 525.00... . .... 18.25
525.01 to 540.00..
.18.75
540.01 to 555.00..
. ... 19.25
For
terms over
•
$555.00,
write to our Customer Service
Dept. , at the address Given on
page
215.
Electrical goods
Lamps, shades, light fixtures
Fireplace equipment
Luggage
Floor coverings
Mattresses and springs
(except bathroom rugs)
Musical instruments
Floor sanders
&
polishers
Nursery equipment
Furniture
Optical equipment
Furs (over
$200)
Paint and paint sprayers
Gym equipment
Phonographs
&
consoles
Hearing aids
Playground equipment
Home appliances (electrical)
Pool tables
Jewelry
&
watches
Power tools
(not costume jewelry)
Radios
Sewing machines
How to Open a Time Payment Account
1.
If you now have a Penneys Regular Charge Ac–
count, just write your order, fill in your Account
Number, and check the "Time Payment Account"
box. Then, read and SIGN the Time Payment Ac–
count Agreement (3) on the reverse side of the order
form. Remember, your first Time Payment Account
order must total $19 or more. Only the merchandise
listed above may be purchased on a Time Payment
Account. For Regular Charge purchases or Cash pur–
chases please use another order form.
2.
If you do NOT have a Regular Charge Account,
turn to the reverse side of any order form (pages
220 and 222), and fill out the Credit Application
(l);
then sign
both
the Charge Account Agreement (2),
and the Time Payment Account Agreement
(3).
Then
write your order on the front of the form and check
the box that says, "Time Payment Account." Re–
member-your first Time Payment order must total
$19 or more. Only the merchandise listed above
may be purchased on a Time Payment Account-for
other merchandise, use Penneys Regular Charge
Account (details on page 216).
NOTE:
You
can
arrange
to open
an Account by phone
-just call
your
nearest Penneys Catalog Center.
How your Time Payment Account Is Billed:
Each month, when you receive your Time Payment
statement make small monthly payments based
upon your balance (see "Time Payment Terms
Table" at left)-and pay a modest service charge,
added each month to the beginning balance.
If
you wish,
you
may pay
more
than
your
scheduled
payment-or, you may pay the entire balance at any
time.
Silverware, stainless steel
Slipcovers
Snow throwers
Sporting goods
Storm windows and doors
Tape recorders
Television and consoles
Tool sets
Vacuum cleaners
Wall coverings
Wall decorations
Wrist watches
&
fine jewelry
"Add-On" to your account a,nytime-
no minimum purchase required
Either dial your local Penneys Catalog
Center (see page 209)-or if you wish,
order by mail. Just write up your Time
Payment order, and complete the fol –
lowing steps :
1.
Fill in your Penneys Account num–
ber.
2.
Check the Time Payment Account
box on the front of the order form.
3.
Read and SIGN the Time Payment
Account Agreement
(3);
on the re–
verse side of the order form.
4.
Be sure that all merchandise you
"add-on" is eligible to be purchased
on your Time Payment Account–
see list above. If you wish to make
Regular Charge Account (or cash)
purchases,
simply use another
order form.
No Minimum Purchase required when
you "Add-On" to your Time Payment
Account!
To find your new monthly payment
when you "add-on":
Simply add the
total dollar amount ofyour "add-on"
order to your present unpaid balance.
Then check the "Time Payment Terms
Table" (at left), and find the new total
balance, and the corresponding month–
ly payment. If the new monthly pay–
ment is the same or less than· you are
now paying, there will be no increase
in the monthly amount you will pay.
PENNEYS GUARANTEE
Everything you buy from Penneys is ALWAYS FIRST QUALITY. Every item in this catalog is
honestly described and accurately illustrated. Some of our merchand.ise is covered by specific
guarantees that you will find stated elsewhere i n this catalog. All other merchandise is
covered by this general guarantee: Each purchase you make from Penneys catalog must live
up to everything we have promised for it, and it must give you the service you have a right to
expect. If anything you receive from Penneys fails to meet these standards during the normal
life of the item, you may return it at our expense. According to your instructions, we will
refund your money (or credit your account) including any transportation charges you have
paid-or we will repair the item-or we wi ll replace it. The choice is yours.
AMD
Pennevs
217